Pre-approval letters just got a whole lot more powerful. With our latest update to Hemlock, loan officers can generate pre-approvals for more loan programs, with more control, all without ever leaving the Pricing Engine.
Pre-Approval Letters, Reinvented
Pre-approval letters are one of the most important tools in a loan officer’s toolkit. They give borrowers confidence, help agents move quickly, and signal to sellers that a deal is serious. But until now, generating pre-approvals across multiple programs has often meant clunky processes, limited options, and too many manual workarounds.
With Hemlock’s latest update, that changes. Loan officers can now generate pre-approvals for 3X more loan programs directly from the Pricing Engine — faster, easier, and with more control than ever before.
This means you can serve more borrowers, expand your pipeline, and win more deals, all without leaving the platform you already use every day.
What’s New in Hemlock Pre-Approvals
With this release, Hemlock users can:
- ✅ Generate pre-approvals across more loan programs — including VA, VA IRRRL, USDA, DSCR, Alt Doc, and more, on top of Conventional, FHA, and HomeReady.
- ✅ Tailor pre-approval letters to borrower expectations — show exactly the program your client wants to see (e.g., FHA, VA, USDA).
- ✅ Override eligibility rules when needed — generate internal-use or special-case letters, even for scenarios marked ineligible in the system.
In short: more options, more flexibility, more control.
Why More Pre-Approval Options Matter
In today’s competitive lending environment, speed and precision are your competitive edge. Borrowers and agents expect clarity and responsiveness — and the ability to deliver a pre-approval on the spot can be the difference between closing the deal or losing it to a competitor.
By offering pre-approvals across niche programs like DSCR and Alt-Doc, you can:
- Expand your borrower base beyond standard agency loans
- Quickly show options to investors, self-employed borrowers, and clients with unique financial situations
- Position yourself as the broker who can find a solution when others say no
And with overrides, you gain the flexibility to issue letters that fit real-world scenarios — not just textbook ones.
How Pre-Approvals Work in Hemlock
Loan officers can generate pre-approvals directly from Hemlock Pricing, the same place you shop rates and structure scenarios.
- Run pricing as usual for your borrower scenario.
- Select the program you want to issue a pre-approval for.
- Generate the letter instantly — with the borrower’s name, program type, and key details included.
No switching systems. No re-keying data. No exporting into Word docs. Everything lives inside Hemlock.
The Competitive Advantage
Every loan officer knows: the faster you can deliver, the better chance you have at winning the deal. With Hemlock pre-approvals, you can:
- Deliver confidence to buyers — borrowers see their preferred program spelled out on their pre-approval letter, which strengthens trust.
- Reassure real estate agents — showing agents that your client is already cleared on specific programs helps them prioritize your deal.
- Stand out against competition — while others scramble with clunky processes, you’ll be handing your borrower a tailored pre-approval in minutes.
It’s not just a feature, it’s a differentiator.
Common Scenarios Loan Officers Face
Here’s how Hemlock’s new pre-approval functionality fits into real-world lending:
- First-time buyer choosing between FHA and Conventional. Generate both letters and show them side by side.
- Investor shopping DSCR programs. Provide program-specific letters instantly, so they can move quickly on properties.
- Self-employed borrower exploring Alt-Doc options. Issue a clear, branded letter that reflects the program they want to pursue.
- Special-case overrides. Use internal-only or ineligible overrides when you need to provide flexibility in complex scenarios.
Available Now in Hemlock
The pre-approval update is live for all Hemlock users. You’ll find it built directly into the Pricing Engine, ready for you to start using today.
👉 Want to see how pre-approvals in Hemlock can help you close more deals? Talk to our team today.
